Here's the trick...
The VL53L8CH is a derivative of the VL53L8CX, so to figure out how the SPI works, examine the CX code.
The folks doing the CH focused on the histogram and did not port all the other examples from the CX when they made their delivery.
So, steal everything you need from the CX code and bring it across to the CH code base. It will work just fine.
1. Isn't VL53l8CH preloaded with firmware on shipping from factory? - No. One has to download the firmware at boot. On the L5 chip, we made a mistake and decided to go into production with downloadable code. And it worked out well for us. We were able to add feature for our best customers and fix bugs. So, on the L7 and L8 we kept the 'feature'.
2. Does the firmware need to be loaded every time on initialization? Yes. Every single boot.
3. I did not find the firmware binary file in IMG043 package. Where should I get this binary file?
The binary file is actually tucked into a .h file.

And that const statement goes on for a LONG while.
There are some 20,000 lines in that file.